Save, Export, Share, Compare: How to Manage Your Mortgage Scenarios

A real financing decision is rarely a single calculation. You will run a base case, tweak the fixed-rate period, nudge the initial repayment, add a special repayment, and want to put two of those scenarios side by side before talking to your bank.

Finanz Kompass has four built-in tools for exactly that workflow: Save, Export, Share, and Compare. This post walks through each one, the trade-offs they make, and a typical end-to-end flow. If you have not run your first calculation yet, start with the getting-started guide.

Save: a private library in your browser

The Saved Calculations page is your personal library. Every scenario you save lives in your browser's IndexedDB — local storage on your device. Nothing leaves your machine unless you explicitly export or share it.

• Per-browser, not per-account. Saved scenarios are tied to the browser profile you used. Clearing site data deletes them.
• Polymorphic. A mortgage with a 10-year fixed-rate period, a Bauspar contract, a KfW 261 renovation case, a Wohn-Riester projection and a rental cash-flow case can all sit in the same list.
• Name + notes. Give each entry a short title ("Bank A — 2.0 % repayment, 15 years") and free-form notes — you will thank yourself two weeks later.

A common pattern: clone an existing scenario, change one input (for example, raise the initial repayment from 2 % to 3 %), save under a new name. That gives you two saved scenarios you can later push into the comparison view.

If you are juggling KfW programs, the KfW programme overview explains which combinations make sense — saving one scenario per program lets you compare them properly.

Export: PDF, CSV, Markdown, Print

The Export dialog turns any saved (or live) calculation into a file. Four formats are supported:

For mortgage cases, an "Include amortization" toggle decides whether the month-by-month amortization schedule is bundled into the file. For rental cases, the equivalent toggle is "Include cash-flow schedule"; for Riester, "Include yearly projection". Off, you get a one-page summary; on, you get every period including remaining debt and the interest / repayment split.

One useful detail: if you export a scenario that has not been saved yet, Finanz Kompass auto-saves it first. The exported PDF and the entry in your Saved Calculations page always match.

Share: a privacy-first snapshot link

The Share action generates a link of the form /en/shared#data=.... The fragment after # carries a compressed copy of your inputs only — never the recalculated results.

That distinction matters:

• The hash fragment never travels to a server. Email it, paste it into a chat, encode it in a QR code — only the recipient's browser ever sees it.
• The recipient opens the link, the calculator re-runs the math on their device, and they see the same numbers you saw.
• A "Save to my calculations" button lets them store the snapshot in their own Saved Calculations and edit it from there.

Think of a shared link as a frozen snapshot of inputs. If you raise the purchase price or change the equity after sending the link, the recipient's view does not change — they hold the old version. Send a fresh link to update them.

This is also the cleanest way to ask a partner, an advisor or a forum for a second opinion without exposing personal data through a third-party document service.

Compare: side-by-side, two at a time

The Compare view answers the question that matters most: "which of my two scenarios actually wins?". It puts two calculations next to each other in a metric-by-metric table.

Three rules to know:

1. Two at a time. The store is hard-capped at two scenarios — adding a third replaces the older slot. The constraint is intentional: humans pick a winner from two columns much faster than from five.
2. Same type only. A mortgage compares against a mortgage, a rental against a rental. You cannot compare a Bauspar contract against a Riester plan in this view — those are different metric sets.
3. Type-specific metrics. For mortgages: monthly payment, nominal rate, effective rate, total interest, remaining debt at the end of the fixed-rate period, and full term. For rentals: monthly cash flow, gross yield, cash-on-cash return. For landlord-tax cases: depreciation (AfA), deductible interest as expense, and the effective tax rate.

The right-hand column shows the delta with a directional arrow — green when the scenario in that column is better, red when worse. The same export dialog as above is available from the comparison page, so you can hand a bank advisor a single PDF showing both options against each other.

A natural use case: pair this with the fixed-rate-period explainer — save a 10-year and a 15-year scenario, drop both into Compare, and read the delta in remaining debt at the end of the binding period.

A typical end-to-end flow

How the four features fit together in practice:

1. Build a base scenario in the mortgage calculator — purchase price, equity, nominal rate, fixed-rate period, initial repayment.
2. Save it as "Base case — 10 yrs / 2 %".
3. Clone & edit: change one variable (longer fixed-rate period, or add an annual special repayment) and save as "Variant — 15 yrs / 2 %".
4. Compare the two on /en/compare. Read off the delta in total interest and remaining debt.
5. Export the comparison as PDF for your bank meeting.
6. Share the link with your partner via the privacy-friendly snapshot URL.

If your case involves KfW funding, do the same drill in the blended-financing calculator — see the KfW programme overview for which programs to test.

Privacy and data ownership

A short summary of where your data lives:

• Saved Calculations: local IndexedDB. Never leaves your device.
• Export files: generated client-side, downloaded directly to your machine.
• Share links: URL hash fragments, not query parameters — they are not transmitted to any server.
• Comparison: in-memory only.

That means clearing browser data wipes your library — so for important scenarios, export a PDF backup. It also means there is no cross-device sync by default; if you switch laptops, re-import via a shared link or a saved Markdown export.

Where to next

• Run a fresh case in the mortgage calculator, the Bauspar calculator, the Riester calculator, or the rental calculator.
• Background reading: the getting-started guide for the basics, the KfW programme overview for subsidy combinations.
• Term-by-term reference: the glossary covers every concept linked above — from Annuitätendarlehen and Anschlussfinanzierung to Vorfälligkeitsentschädigung.